Your Financial Health Check
Before building a solid financial plan, we must understand where you stand today. Let's map out your assets, liabilities, and cash flow to diagnose your current financial wellness.
1. Client Profile
2. Monthly Cash Flow
Tracking where your money comes from and where it goes.
Net Monthly Surplus/Deficit
RM 0
↓ Cash Inflows (Monthly)
↑ Cash Outflows (Monthly)
Savings & Investments
1. Must-Have Expenses
Includes: Core living costs and debt commitments.
2. Peace of Mind Expenses
Includes: Protection, charity, and well-being.
3. Need-to-Have Expenses
Includes: Practical lifestyle and family requirements.
4. Nice-to-Have Expenses
Includes: Discretionary spending, entertainment, and luxuries.
3. Statement of Net Worth
A snapshot of what you own vs. what you owe.
Estimated Net Worth
RM 0
+ Assets (What You Own)
Liquid Assets
Investment Assets
Personal/Lifestyle Assets
- Liabilities (What You Owe)
Short-Term Liabilities (< 1 yr)
Long-Term Liabilities (> 1 yr)
4. Financial Health Diagnosis
Based on standard financial planning practices, these ratios interpret your data to reveal the true state of your financial health.
Basic Liquidity Ratio
...0 Months
Target: > 12 Months
How many months you can survive using liquid assets if income stops.
Debt to Asset Ratio
...0%
Target: < 50%
Percentage of your total assets financed by debt.
Debt Service Ratio
...0%
Target: < 30%
Percentage of net income used for debt repayments.
Savings Ratio
...0%
Target: > 10%
Portion of gross income saved for the future.
5. Financial Needs Analysis
Detailed Time Value of Money (TVM) calculations mapping your current coverage against actual shortfalls.
Income Protection upon Death
Income Protection upon Disability
Income Protection upon Critical Illness
Retirement Needs
Wealth Accumulation
Needs vs Coverage Comparison Summary
| Aspect | Needs (Fund Required) | Current Coverage/Resources | Total Shortfall / (Surplus) |
|---|---|---|---|
| Death | RM 0 | RM 0 | RM 0 |
| Disability | RM 0 | RM 0 | RM 0 |
| Critical Illness | RM 0 | RM 0 | RM 0 |
| Retirement Fund | RM 0 | RM 0 | RM 0 |
| Wealth Accumulation | RM 0 | RM 0 | RM 0 |
6. Income Protection Assessment
A solid financial plan starts with a strong shield. Let's quickly assess the baseline protection your family would need if the unexpected happens.
Proposed Income Protection (Rule of Thumb)
Critical Illness (5x Annual Income)
RM 0
Total Permanent Disability (TPD) (10x Annual Income)
RM 0
Death (10x Annual Income)
RM 0
Medical (Minimum Annual Limit)
RM 500,000
7. Executive Insights & Recommendations
"Financial planning is about holistic management of wealth to achieve life goals with peace of mind."